Coinfinity

Licence and service

On 19 December 2025, Austria’s Financial Market Authority (FMA) authorised Coinfinity as a crypto-asset service provider (CASPGlossaryCASP (crypto-asset service provider)A company that professionally provides crypto-asset services to customers – such as trading, exchange, custody or transfers. In the EU, every CASP needs an authorisation under MiCA.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×) under MiCAGlossaryMiCA (Markets in Crypto-Assets Regulation)The EU regulation on markets in crypto-assets. Since 30 December 2024, exchanges, brokers and custodians in the EU have needed authorisation; the last transitional period ended on 1 July 2026. MiCA regulates providers, not Bitcoin itself.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×. According to the ESMA register, Coinfinity offers its services in Austria, Germany, Liechtenstein and Luxembourg – not in other EU countries.^[7] What the licence means is explained in MiCA & regulation.

You can only buy and sell Bitcoin there – as a one-off purchase or through a savings planGlossarySavings plan (Bitcoin savings plan)Automatically buying bitcoin at fixed intervals with a fixed amount, for example $50 a month. A savings plan takes the question of the right moment off your hands, but doesn’t promise a higher return.On the learning path: Stage 4 · Step 4 – Setting up a savings plan →In the glossary →×, paid by SEPA transfer or SEPA Instant.^[2],[1] According to the provider, you can also buy over the Lightning NetworkGlossaryLightning NetworkA second layer on top of Bitcoin for fast, low-cost payments. Amounts move off the blockchain via payment channels; only opening and closing a channel ends up in a block as a normal transaction.On the learning path: Stage 1 · Step 3 – How does Bitcoin work? →In the glossary →×, in the app and in the web portal.^[5]

Costs (as of September 2026)

Coinfinity charges in euros, so the amounts here are in euros.^[1]

• Service fee: 1.5% per purchase or sale, also on the savings planTermSavings plan (Bitcoin savings plan)Automatically buying bitcoin at fixed intervals with a fixed amount, for example $50 a month.On the learning path: Stage 4 · Step 4 – Setting up a savings plan →In the glossary →AdLicensed providers with a paid linkProviders from our comparison21bitcoinBitcoin app · MiCA (FMA, Austria)No paid link for your country · Profile →RelaiBitcoin app · MiCA (AMF, France)No paid link for your country · Profile →BISONExchange · MiCA (BaFin, Germany)No paid link for your country · Profile →All 11 compared – including non-partners →*Paid link: if you sign up or buy through it, we earn a commission. Your price stays the same. How we make money →18+ · Crypto assets are highly volatile; you could lose all your money. No deposit protection.×, with a minimum of €0.49 per transaction. According to the provider, there is no spreadGlossarySpread (bid-ask spread)The difference between the buy and sell price. With many apps, the spread is the real fee – it just doesn’t appear as a separate item on your statement.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×; you see the bitcoin amount before you buy.^[1]
• Mining fee: every purchase is sent to your wallet, so the network feeGlossaryTransaction fee (network fee)The amount a Bitcoin transaction pays to the miner. It depends on the transaction’s size in vbytes and the fee rate offered – not on the amount you send.On the learning path: Stage 5 · Step 4 – First withdrawal →In the glossary →× comes on top. Coinfinity passes on the average fee of its last 25 transactions without a mark-up; when the network is busy, it costs more.^[1],[3]
• Savings plan: from €21 per execution, by standing order from your bank; according to Blocktrainer, the interval can be daily to monthly. There is no fee for setting it up or running it.^[3],[1],[6]
• No fee: opening an account, euro deposits and withdrawals, bitcoin deposits.^[1]
• Reversal: €5 if Coinfinity has to reverse a transaction because of your mistake, such as a missing payment reference, a wrong amount or a wrong wallet address.^[1]
• Referral code: 21% off the service fee for 6 months; the minimum fee does not go down.^[1],[2]

Worked example: with a €21 savings amount, 1.5% would be only €0.32, so the €0.49 minimum applies – around 2.3%, plus the mining fee. You only pay 1.5% from about €33 per execution. How to compare this with providers that charge a spread is shown in Understanding fees.

Custody

Coinfinity delivers your bitcoin to the wallet in the Coinfinity app or to an address of your own, for example that of a hardware walletGlossaryHardware walletA small dedicated device that keeps your private keys offline and signs transactions internally. The key never leaves the device, so malware on your computer can’t get at it.On the learning path: Stage 6 · Step 1 – Hardware wallets compared →In the glossary →×.^[2],[4] According to the provider, the app wallet is self-custodial: only you control the private keys, and Coinfinity has no access. When you set it up, you get a 12-word recovery phraseGlossarySeed phrase (recovery phrase)A sequence of usually 12 or 24 words from which your wallet derives all its private keys. Anyone who knows the words has full access to your bitcoin – so they belong in an offline backup and never in anyone else’s hands.On the learning path: Stage 5 · Step 3 – Backing up your seed phrase →In the glossary →×.^[4]

That is self-custodyGlossarySelf-custodyYou hold the private keys to your bitcoin yourself – in your own wallet rather than with a provider. Nobody can freeze your bitcoin. But nobody can help you if you lose your seed phrase and keys.On the learning path: Stage 5 · Step 1 – Understanding custody →In the glossary →× from your first purchase: if you lose the phrase, nobody can help you. How to back it up is explained in Backing up your seed phrase.